It’s important to come up with a payment strategy for substance abuse treatment before you go. A big part of that is figuring out what percentage of your care will be covered by your insurance company.
If you have insurance through Meritain, we’ve got you covered. Keep reading to learn everything that you need to know about substance abuse recovery treatment and Meritain.
About Meritain Health
Meritain is a relatively young insurance company, having been founded in 1983. It’s currently headquartered in Amherst, New York. The company specializes in providing insurance plans to employers, hospitals, healthcare systems, and other organizations.
Types of rehab covered by Meritain
You may be able to get coverage for a wide variety of rehab types with your insurance plan from Meritain. But the exact coverage that you have will depend on the details of your plan.
With that in mind, you’ll likely have coverage for inpatient and residential rehab. This is when you go and live in a facility to receive treatment for 30, 60, or 90 days.
On top of that, you should also have coverage for partial hospitalization and intensive outpatient rehab programs. These plans involve sleeping in your own bed at night but spending a large part of your week at your treatment center.
Finally, you’ll also likely have coverage for standard outpatient care. This type of plan is a less intensive option and could be a good fit for people with less severe addiction problems.
Treatments that Meritain covers
We can also take a closer look to see the specific treatments within different rehab plans that Meritain usually covers. With this insurance, you’ll often have coverage for
- Substance abuse medication
- Medical detox
- Exams and tests
- Assessments and evaluations
What percentage of my costs will Meritain cover?
The answer to this question is entirely dependent on the specific insurance plan that you have with Meritain. But as a general rule of thumb, when you pay a higher monthly premium for insurance, you typically have to pay a lower amount of your care costs out-of-pocket.
That means if your plan with Meritain is one of the company’s highest-tier offerings, your out-of-pocket costs for rehab could end up being relatively low.
Do treatment centers need to be in-network with Meritain?
Meritain may cover a percentage of your costs at an out-of-network treatment center. But the exact amount that the company covers will vary based on your plan.
No matter what plan you have, you will have a higher percentage of your costs covered if you choose an in-network provider. That means, if costs are a concern, then you probably should try to find a treatment center that’s in Meritain’s network – which shouldn’t be too difficult to do.
How to learn more about your Meritain substance abuse recovery coverage
If you want to figure out how much you’re actually going to have to pay for substance abuse recovery treatment, then you’ve got two options.
First, you can reach out to Meritain directly. They’ll tell you the general percentage that you can expect them to cover when you get substance abuse treatment. But that won’t translate into an actual dollar figure.
To get the dollar figure that you probably want, you need to reach out to a treatment center like The House of the Rising Son. We’ll verify your Meritain insurance for you and will be able to tell you the exact amount that you’re going to be responsible for paying.
One of our addiction specialists can also work with you to figure out a treatment plan that fits your budget. Get in touch with us today to learn more about how we can help.